Bandhan Bank Ltd
Bandhan Bank Ltd Q4 FY25 Results & Concall Highlights: Revenue, Margins & Order Book
Q4 FY25 earnings call: what management guided on revenue, margins and order book.
The short version
Bandhan Bank targets a 15–17% CAGR growth in advances over the next three years, with secured advances expected to exceed 55% of total advances by FY27. Bandhan Bank targets advances growth of 15-17% CAGR over the next 3 years, with a stronger focus on secured loans increasing to 55%+ of total advances by FY27.
From Bandhan Bank Ltd's Q4 FY25 earnings-call transcript · updated 23 Aug 2026.
Revenue & Sales Performance
- Bandhan Bank targets a 15–17% CAGR growth in advances over the next three years, with secured advances expected to exceed 55% of total advances by FY27.
- Secured loan book is growing faster, driven by housing, wholesale banking, and retail assets.
- Deposits are expected to grow faster than advances, focusing on stable, granular retail deposits, including CASA and retail term deposits.
- Retail term deposits showed strong 30% YoY growth; total retail deposits grew 11% YoY.
- Growth supported by branch network expansion (1,715 branches), digital initiatives, and cross-sell strategies.
- The bank anticipates improving revenue mix with higher other income from new initiatives and growth in fee income.
- Operating expenses are expected to increase slightly in the short term due to investments but improve efficiency over time.
- Overall, steady and sustainable growth in net interest income and other income is expected as the portfolio diversifies and asset quality improves.
Profitability & Margins
See what Bandhan Bank Ltd said on profitability & margins — free account, 30 seconds.
Capital Expenditure Plans
- Continued investments in people, technology, and infrastructure, particularly in newer businesses such as credit cards and secured loans.
- Major opex costs include IT investments, such as depreciation from recent core banking system upgrades and planned state-of-the-art loan origination systems with providers like Salesforce.
- Investment in manpower with recruitment of skilled resources ahead of business launches.
- Operating expenses to average assets ratio expected to increase by 10–20 basis points over the next two years due to these investments.
- Strategic priorities include enhanced technology (digital banking units, QR code collections, facial recognition), process optimization, and innovation in business models.
- Focus on expanding retail liability sourcing and modernizing credit underwriting with analytical tools for improved digital processing.
- Operating leverage expected to improve post investments, enhancing efficiency and scalability.
- These investments form part of a multi-year transformation to grow the secured book and business capabilities sustainably.
Top-ranked in Banks
Ranked on what management guided this quarter
Rank buckets describe management commentary on revenue and margin. Not investment advice, and not a forecast of returns.
Fundraising & Capital Structure
See what Bandhan Bank Ltd said on fundraising & capital structure — free account, 30 seconds.
Order Book & Pipeline
Continue your research
What Bandhan Bank's management said in earlier quarters
Others in Banks this season
- T N Merc. Bank (Q4 FY25)
Capital adequacy ratio at a comfortable 32.71%. Key concall takeaways from T N Merc. Bank's Q4 FY25 earnings call — and how it ranks against sector peers.
- Bank of Maha (Q4 FY25)
Total business grew 15.30% YoY to INR5,47,000 crore; deposits up 13.44%, advances up 17.76%. Key concall takeaways from Bank of Maha's Q4 FY25 earnings call…
- Bank of India (Q4 FY25)
Digital loan book growth continues, with Rs.80,000 crore digital advances (12% of global advances). Key concall takeaways from Bank of India's Q4 FY25 earnings…
- IDFC First Bank (Q4 FY25)
Operating expense growth is guided at a controlled 12-13% year-on-year over the next 2 years, supporting operating leverage (Pages 9, 22, 24). Key concall…
Frequently Asked Questions
What were Bandhan Bank Ltd Q4 FY25 results?
Bandhan Bank targets a 15–17% CAGR growth in advances over the next three years, with secured advances expected to exceed 55% of total advances by FY27. Bandhan Bank targets advances growth of 15-17% CAGR over the next 3 years, with a stronger focus on secured loans increasing to 55%+ of total advances by FY27.
What is Bandhan Bank Ltd share price analysis?
Bandhan Bank Ltd currently shows a neutral. The stock trades at a P/E of 20.3 with a market cap of ₹27,463 Cr. Investors should review the full earnings analysis for detailed insights.
Is Bandhan Bank Ltd planning capital expenditure?
Continued investments in people, technology, and infrastructure, particularly in newer businesses such as credit cards and secured loans.
Keep Bandhan Bank Ltd on your radar — track it to get its next earnings analysis in your feed.
This analysis is AI-generated based on publicly available earnings data and concall transcripts. This is not investment advice. Please consult a SEBI-registered advisor before making investment decisions.